Credit reference reports are valid for 90 days. A soft footprint (I.e. one which is not visible to other credit providers) is obtained at AIP/application stage. This becomes a hard footprint (one which is visible to other organisations) once a case has been submitted.
We may need to obtain up-to-date data if:
- If the credit reference data is older than 90 days
- A product switch is requested post-offer
- The mortgage offer has expired
- Underwriter discretion